3351 Schoolhouse Rd, Harmony (Saint Cloud), FL 34773 Property Records

Osceola County property record for 3351 Schoolhouse Rd, Harmony, FL 34773

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,031 sqft · built 2007
Lot Size	0.178 acres (7,797 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Aug 2021)
Tax Bill	$11,145 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`127885`

Property Details

APN / Parcel Number

Primary APN	`127885`
Alternative APN	`302632261700011310`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,031 sqft Heated Area
Gross Area	5,953 sqft
1st Floor Area	1,958 sqft
Upper Floors Area	1,104 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.178 acres)
Garage Type	Finished
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	321 sqft
Porch	Open Porch
Porch Area	1,140 sqft
Deck Area	127 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	127885
Street Address	3351 SCHOOLHOUSE RD
City	HARMONY
State	FL
Zip	34773-6008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BIRCHWOOD NEIGHBORHOOD C-2 PB 17 PGS 10-11 LOT 131
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY BIRCHWOOD NBC B C C2 D1
Legal Tract	2617
Legal Block	1
Legal Lot Number	131
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2098
Census Tract	43801

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3351 SCHOOLHOUSE RD, HARMONY, FL 34773-6008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND
Aug 18, 2021	Correction Deed LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC
Jun 24, 2019	Deed of Trust, Mortgage · Line of Credit LOWER
Jun 24, 2019	Deed of Trust, Mortgage · Conventional with PMI LOWER
Oct 30, 2018	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	Oct 30, 2018 · Amount on Record
Deed Document Number	2021128213
Deed Book / Page	6025 / 815
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2021
Property Address	3351 SCHOOLHOUSE RD, HARMONY, FL 34773-6008
Document Number	0060250815
Book / Page	6025 / 815
Map Reference	MB 17 PG 10&11
Instrument Date	Aug 16, 2021
Instrument	2021128213
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3351 SCHOOLHOUSE RD, 3351, HARMONY, FL 34773-6008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3351 SCHOOLHOUSE RD, HARMONY, FL 34773-6008

Mortgage

Document Number	6025817
Date	Aug 18, 2021
Instrument	6025/817

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2021
Property Address	3351 SCHOOLHOUSE RD, HARMONY, FL 34773-6008
Document Number	0060250813
Book / Page	6025 / 813
Map Reference	MB 17 PG 10&11
Instrument Date	Aug 9, 2021
Instrument	2021128212
Record Updated	Sep 2, 2021
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5610 RUSACK DR, 5610, VIERA, FL 32940-8014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3351 SCHOOLHOUSE RD, HARMONY, FL 34773-6008

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3351 SCHOOLHOUSE RD, HARMONY, FL 34773-6008
Document Number	0055532921
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3351 SCHOOLHOUSE RD HARMONY FL 347736008, HARMONY, FL 34773-6008

Mortgage

Document Number	0055532921
Date	Jul 9, 2019
Book Page	005553/002921
Instrument	88017

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 8, 2039

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3351 SCHOOLHOUSE RD, HARMONY, FL 34773-6008
Document Number	0055532908
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3351 SCHOOLHOUSE RD HARMONY FL 347736008, HARMONY, FL 34773-6008

Mortgage

Document Number	0055532908
Date	Jul 9, 2019
Book Page	005553/002908
Instrument	88016

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 30, 2018
Property Address	3351 SCHOOLHOUSE RD, HARMONY, FL 34773-6008
Document Number	0054260936
Book / Page	5426 / 0936
Map Reference	MB17 PG10&11
Instrument Date	Oct 22, 2018
Instrument	2018162277
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,498.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5610 RUSACK DR, 5610, MELBOURNE, FL 32940-8014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3351 SCHOOLHOUSE RD, OCALA, FL 34473

Mortgage

Document Number	2018162278
Date	Oct 30, 2018
Instrument	2018162278

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,145.00 (+6.26%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$660,130 (+5.99%)	$688,700 (+3.94%) Land $88,000 Building $600,700
2023	$10,488.00 (+5.32%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$622,841 (+3%)	$662,600 (+9.57%) Land $77,000 Building $585,600
2022	$9,958.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$604,700 Land $71,500 Building $533,200	$604,700 Land $71,500 Building $533,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

Nearby Properties on Schoolhouse Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures